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Send money from South Africa to Germany

South Africa
Live mid-market rate*: 1 ZAR = 0.050796 EUR
Top provider

Total Amount Received (EUR)

Fees: 10
Rate: 0.049145
Bank Transfer:
3-5 Days
Debit Card:
3-5 Days
Mid-market rate updates every 3 hours

Transfer ZAR to EUR quickly and easily by comparing the latest exchange rates, and best provider fees, speed and reviews from South Africa to Germany.

Best Providers for Sending Money to Germany from South Africa

When considering how to send money Germany from South Africa there are some key aspects of the transfer that will impact the best provider for your needs.

There are plenty of international money transfer providers for South Africa to Germany. The fastest provider is HSBC. The cheapest provider we found is HSBC at 0.05% Above Mid-Market Rate.

If you’re looking for the best combination of price, speed, and reliability we recommend using HSBC when sending ZAR - EUR.

This means that by using HSBC for online money transfers to Germany from South Africa, you are likely to save on transfer fees and benefit from fast speeds - so your recipient will get more money and have it delivered in less time.

Alternatively, if you are unable to access HSBC for any reason, our comparison engine has found and also to be very good options when sending ZAR to EUR.

The cheapest way to send money from South Africa to Germany

The cost of transferring money will depend on the value of the transaction and amount of EUR you want the recipient in Germany to receive.

In order to avoid high fees, you should consider the cheapest way to send money from South Africa to Germany.

HSBC has been determined by our comparison engine to be currently offering you the cheapest rates possible.

The fastest way to send money from South Africa to Germany

When sending money from South Africa to Germany, speed is one of the biggest factors you need to consider in terms of the service offered by different money transfer providers, particularly if you want to send money instantly. Currently, HSBC is the fastest way to send ZAR - EUR.

What payment methods are available when sending money from South Africa to Germany?

Most money transfer providers allow you to deposit and send money using various payment methods, but not all providers offer every option. Typically you’ll find the most common methods are bank transfers and card payments, but many providers also accept cash and some will even deliver funds straight to your recipient’s door.

Sending money to Germany from South Africa using credit card

To avoid high fees you can opt to use an online money transfer provider such as to pay for your transfer to Germany. Our guide on sending money using a credit card has more information.

Sending money to Germany from South Africa using a debit card

With HSBC you can send money online to Germany using your debit card. But before making a payment, make sure you understand all the processing fees in place. Our guide on sending money using a debit card has more information.

Using a wire transfer to send money from South Africa to Germany

Bank and international wire transfers are the most common ways of sending money Germany as they are secure, reliable, and convenient. However, they often come with the slowest delivery times in case speed is an important factor for you. You can use HSBC to send money using a bank or wire transfer at a great rate as long as you’re happy for your transfer to take 1-2 days.

When sending money to Germany from South Africa using bank account transfer you are paying for the outgoing fees, flat fees, currency exchange rate markup, and sometimes an additional incoming transfer fee. If you do decide to make an international transfer using wire transfer, you might be required to use a SWIFT/BIC code when completing your transaction. If you're unsure of what it is, check out our guide on what is a SWIFT code as well as use our SWIFT code calculator to find the right SWIFT/BIC code.

On the other hand, you usually only pay a sender fee and a small exchange rate markup when using online money transfer services such as HSBC, and .

Considerations for a ZAR to EUR Currency Transfer

Before sending money to Germany from South Africa, you should consider the following:

  1. The amount you want to transfer: It is likely that the more money you send to Germany the more value you will get and more EUR the recipient will receive. This is because any flat fee charged ends up as a smaller percentage of your transfer amount, and also because many providers allow you to negotiate a better exchange rate margin if sending large amounts.

  2. The ZAR - EUR exchange rate margin: Money transfer providers charge a small percentage on top of the mid-market exchange rates in order to generate revenue. Current mid market rate is 0.050796 and the lowest exchange rate margin is currently offered by HSBC at 0.05% above the mid market rate.

  3. Hidden fees & charges: Before sending money to Germany, make sure the provider you are using doesn’t charge any hidden fees. Our reviews of the top ranked providers HSBC, undefined and undefined will give insight here.

How to send money from South Africa to Germany at the best rate?

This one’s easy. Simply use our comparison table above to find the best provider to send ZAR to EUR. After that it’s just a process of making your transfer via the following steps:

  1. Click “Visit Site” inside our comparison table

  2. Register for an account if required

  3. Input how much you are willing to send

  4. Fund your transfer

  5. Receive & save an email confirming your transfer

How to receive transfers from ZAR to EUR in Germany?

Your recipient has a few methods available to receive your money in Germany. These will vary between providers, but it is possible to find services that will:

  • Deposit EUR directly into a bank account

  • Enable the recipient to pick up cash a specific locations across Germany

  • Deliver money directly to their door

  • Send EUR to your recipient’s mobile wallet

If your recipient is going to collect or have the money delivered to them in Germany, then they will usually need the following:

  • A government issued I.D document

  • The money transfer reference number

  • Senders details and the amount of money sent

How much money can be transferred from South Africa to Germany?

The amount of EUR you can receive from South Africa will largely depend on the money transfer service you are using. There are providers that specialise in smaller remittance payments, and providers who specialise in larger transfers.

You should also check if there are any government regulations pertaining to the amount of EUR that can be received in Germany or sent from South Africa before making your transfer.

Frequently Asked Questions

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